Is it because of the times that the middle class of 5 million people is homeless in Beijing?

An Olympic math problem: How to find the psychological shadow area of two children's papers at this time?

This is not kindness, this is ... this is kindness! Do you want us to do the problem so that we can live without love? To tell the truth, these two children's papers are also sad enough. Where can I be a good person in this world?

Don't worry, there are worse things than him. In the past two days, an article in the circle of friends, "I have 5 million in my hand, but Beijing has made me homeless", wrote an article. This advocate is worse than these two children. Let's call him Daddy Dudu, because he has a 4-year-old daughter named Dudu.

Where is the tragedy? He was made homeless by the new real estate purchase restriction in Beijing, but did he have no money? Don't! He has 5 million in his hand. In a city, the middle class has 5 million in their hands. What makes the middle class homeless?

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Let's take a look at the "strictest" purchase restriction in Beijing history:

"Since March 18, the down payment ratio for second homes has been increased to over 60%, and the longest term of housing loans has been shortened to 25 years ..."

Just 89 words, 89 documents for short.

Let's see why Dudu's father resolutely fled Beijing and fled to the United States with 5 million in his hand.

Three weeks ago, Dudu's father sold a one-bedroom house he bought five years ago and spent 4 million yuan, so he wanted to buy a school district house with a loan. After that, his daughter could go to school easily and the house sold for 4 million. After deducting the outstanding loans, there are still 3.5 million yuan, and there are 1.5 million deposits in hand. There is still a lot of room for the down payment of the school district in Beijing. Moreover, Dudu's father has communicated with a seller in Haidian, and the other party gave them a buffer period of half a year. It's like dozing off and giving a pillow. What a wonderful thing.

But it didn't work. 3. 17 As soon as the document No.89 was published, DuDu's plan became a joke. Because the one-bedroom suite sold before was bought by loan, buying a house is even a second suite. After the policy comparison, the down payment is 80%, which means that the down payment of 9 million houses is 7.2 million. That document is like a brick on Du Da Du Ma's forehead.

But it doesn't matter, you have policies and I have countermeasures, and the intermediary can help you get a fake divorce. If there is a fake divorce, the wife can subscribe for a new house, which is the first suite, and the down payment is only 35%.

I still haven't decided. Just divorced before, after three or four days, there will be a policy: divorced couples are not allowed to qualify for the first suite within one year, that is, to buy a house or a second suite.

Although Du Da and Du Ma have 5 million in their hands, they are directly homeless.

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They have three choices before them:

1, rent a house, and wait until the policy is loosened or the divorce has passed 1 year (but I am worried that the house price will soar to the sky).

2, buy a house, buy a house without a school district, which is a little bigger than the house originally sold (it was originally for the children to change the school district, so it is meaningless. )

3. Evacuate Beijing and return to Du Da's hometown or Du Ma's hometown (let the children return to Beijing from their hometown).

None of the three options seems to be reliable or the best choice. They chose the fourth road, immigrated to the United States, fled the smog and fled Beijing. Immigrating to the United States for $500,000 not only solved the education problem of DuDu, but also provided fresh air and blue sky.

After this decision to flee, whether to buy a house is no longer a problem. However, Du's father worked hard in Beijing for more than ten years and became a so-called middle class. In the end, he "fled Beijing" because of a paper purchase restriction. I always feel uneasy. So there was "holding 5 million in my hand, but Beijing made me homeless", which exploded the circle of friends.

Dudu's father ends with Zheng Zhihua's Middle Class:

I have a heavy burden and my shoulders hurt.

I hold my face up and wander in the crowd.

I have high vision and low strength, and I secretly fall when no one is looking.

Gain and loss, move forward in anxiety.

Goodbye, this city that makes me homeless!

……

People always feel that it is not a taste, and their hearts are cool. ...

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Of course, such an example is not a case under the national large-scale purchase restriction order, and it is a coincidence:

At 7 o'clock on the evening of March 23, Chengdu, Sichuan suddenly issued a notice of housing purchase restriction, and the terms of purchase restriction were very strict. And mushroom cool is just a net sign. After learning the new policy, Mushroom Liang wailed on the spot in the trading hall: "I want a house, I want a home!" "

Mushroom Liang, a graduate student, comes from the countryside. Because I am not a Chengdu hukou, I have just worked in Chengdu for two years, and my social security has only been paid for two years. Mushroom Liang took a fancy to a second-hand house, signed a five-month contract and paid the seller a deposit of more than 200 thousand. Originally, I wanted to save more than 20 thousand business tax, and the online signing was tax-free in two months and two years. This is not a dream. With the introduction of the new purchase restriction policy, Mushroom Cool no longer has the conditions to buy a house in Chengdu for the time being. The long-planned mushroom cooling could not be accepted at once, so she wailed.

To tell the truth, you should blame this era. It's hard to say. It is precisely this era, this world, especially China in this era, because it is undergoing earth-shaking changes. Throughout history, you will find that the so-called opportunities have given people the most in this era, especially in big cities like Beishang Guangshen. Although they live in the basement and eat instant noodles in the north, they are still strong because there are. If you run back to a small county, life will be very comfortable, but at the same time you lose the opportunity to compete with others because you give up.

So I think things in life are nine times out of ten unsatisfactory, and everything can't be satisfactory.

I still remember a sentence in an inspirational video of Cui selling cheongsam: "It's useless to complain, everything depends on yourself!"

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The purpose of writing this article is not to say that the purchase restriction is bad, because the real estate economy in China may become a financial event if it is not regulated, so regulation has to be done. Of course, if this stick is swept away, there will naturally be victims of restrictions on purchases such as Du Da Du Ma and Chengdu Mushroom Cool.

This is the pain of this era and it is inevitable. For DuDu, DuDu, DuDu, I wish them a smooth development in the United States. Maybe Dudu will become a US senator in 20 years! Chengdu mushrooms are cold, you can only work hard for a few more years, and buying a house is not a problem.

There are opportunities and sorrows in this era, and there is no need to despair, because there is still hope. We are all orphans in this beautiful world. So today's opening song is Wang Feng's Orphan in a Beautiful World, which is for you.

As a family, leave a message if you have different opinions. thank you